Let's Talk with Leaha & Rhonda

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You're listening to locally produced programming created in KUNV Studios on public radio. KUNV 91.5.

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The following is a paid program sponsored by Crawford Management Group and Smart Time Consultants. Please be advised that the voices and opinions you may hear do not necessarily represent the views of KUNV Las Vegas, the University of Nevada Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

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Hi, this is Leah Crawford.

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And I'm Rhonda Nolan. Welcome to the Let's Talk with Leah and Rhonda show. We're here for you and we're ready to go.

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Let's do it!

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Good morning, Las Vegas. How are you doing this morning, Leah?

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Happy Saturday. Happy Saturday. Did you all work out this morning? Did not work out this morning, but going to work out this afternoon.

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I've been meditating.

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I'm getting to the Peloton.

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That's wonderful.

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I am getting to the Peloton.

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We're getting closer and closer.

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I stopped putting my clothes on it. That's fantastic.

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So remove the clothes.

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I'm about to get back on it so you can find me Pearlenomics. Pearlenomics. Y'all can

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watch we all can work out together. That sounds like a plan. If you have a Peloton bike look up Pearlenomics and let's get on and ride together. Let's ride. Let's ride. Let's get in shape so we can get our summertime bodies together. That's right. Trying to get it together. Summertime is right around the corner. Because I'm not ready. I'm not ready. I'm not following my own advice. I eat well though. I'm eating better. That's good. Yes.

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That's fantastic.

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I know we have a very, very special guest in here with us this morning.

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We do.

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We do.

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We have Mr. Clifton Hines from Certified Affordable Housing. Hi, Mr. Hines. How you doing?

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Good morning. I'm doing well. I'm doing good while doing well. That's the motto for Certified Affordable Housing Providers. So we provide the opportunity to take you home. Let's go home.

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All right. So you got homes for people?

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We've got homes. We've got opportunities. We've got down payment programs. You've got the path to home ownership. This time is if you haven't been able to afford a home, the opportunity is here, housing prices are adjusting, sales are dropping, and now it's a good time to get in and start your premise on the path to home ownership. Now let's talk about that for a minute. It doesn't necessarily mean that the path to home ownership, you have to have all the money, you just have to have limited amount of qualifications to qualify for that program.

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Is that right?

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That is correct.

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So I don't have to have any money?

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You have to have a first and last. You can have first and last to start the path because we take you on that path. So the path to home ownership starts with you with the intent.

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So they're leading you down the yellow brick road.

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Down the yellow brick road.

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Let's go home.

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So we're going down the yellow brick road.

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We're going home.

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We're going home. Dorothy, we're going home.

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Dorothy, we are going home.

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Time is the best time.

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Okay, that's good.

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So tell us a little bit about Certified Affordable Housing. I want to go before that.

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Oh, wait.

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Clifton, tell us about you.

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Who is Clifton Hines? That's Bob. Incredible. Clifton Hines is a makeup of mortgage banking.

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He's a mortgage banker.

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He's a mortgage banker.

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He's a mortgage banker.

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He's a mortgage banker.

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He's a mortgage banker. He's a mortgage banker.

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He's a mortgage banker.

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He's a mortgage banker. He's a mortgage banker.

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He's a mortgage banker.

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He's a mortgage banker. Clifton Hines is a makeup of mortgage banking, veteran, 100 black man, family orientated, but more importantly I provide a path to help people to go home. So now from the mortgage banking, which I still do mortgage banking, but not as much as I used to do mortgage banking, but I came from the mortgage banking background. So I stay committed. So now that I've moved my show to Las Vegas, I'm excited to be here.

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Okay.

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All right. So this is your background. So this is your passion, and to get people in homes.

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My passion is service, but more importantly, my passion is helping people. Helping people. Helping people to be part of the American dream. I believe that everyone should own a home.

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You should at least try it one time. Everybody should have a home.

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Everybody needs to own a home.

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So what are you seeing as the barriers for people? What are the barriers that are stopping people from home ownership?

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One of the major barriers is FICA scores, down payments, and good credit. Because those are the things that most people are afraid to even apply for a home because they don't qualify.

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Okay, so let's talk about that. So you said three things.

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So let's talk about that.

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FICO scores, down payment, and, well, FICO score is good credit. FICO score is good credit.

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Is good credit, well, having good credit.

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Having good credit.

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So.

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Having a down payment.

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Having a down payment.

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So talk about the down payment. Homes now are going for about 300,000. That is correct. About 300,000, and down payment is normally 3%. 3%. So that's $9,000. So how do I get to save $9,000? That's if

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you can qualify. Now that's an FHA program, right? Okay, that's FHA, yeah. So the question was what's the fare? The fare is that you have to qualify. Okay. But if you're on the path to home ownership, your qualifications are limited. Now, if a path to home ownership, you just have to have two years on the job and the ability to pay.

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Now is it two years on one job continuously or two years working? Two

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years of continuous employment. Meaning that you have to be on the job for two years, on a

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specific job. Because you know people get tricky. I've been I just work for ten people but I haven't had to break a serve.

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We're looking for a commitment. Commitment is real. So you want to ask that question about commitment. Commitment means that you don't have the down payment, but you have first and last, and you have the ability to pay. So we want to see some type of commitment.

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Because you make, because again, a lot of times when we are in this and we're using terms and we're talking about it, because we are comfortable and we understand what we're saying, what is first and last?

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First and last should be the first rent and the last rent. We're talking first in security of deposit, a thousand dollars to wish list rent and a thousand dollars of security deposit. That's first and last.

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That's first and last, okay.

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So that's $2,000. That's one of the qualifications of affordable housing.

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Okay, and then what's the second qualification?

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Two years of continuous employment.

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Okay, so if you've been on your job for a year and a half, you got six more months.

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You got six more months.

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Got six more months. And during that six months, OK, so how does the program work? Talk, OK, so I always use me as an example. I'm ready to buy a house. I've been on my job for two, well, a year, and let's call it a year and seven months. And I meet you. I want to get into your program because I aspire to be a homeowner.

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That's correct.

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So what do I do?

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Well, the first thing we would have to do, we'll start the process. Now, the reason why we're requiring those two years, Aaliyah, is because you don't have the credit. So we want some type of consistency from you. Now, home ownership failed because of the ability to pay or consistency. So our requirements are so limited that you, we're asking for just the bare minimum

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of two years. Right, what's the credit score? Okay, so so it's not credit driven. Okay, so I can have the 550 credit score. 550 credit score. And I can 550 credit score. I am now I'm on my job. Let's say fast forward, you know, seven months in past, I've been there two years now. Fabulous. I'm two years. You're two years in and I got $3,000. So you got $3,000 saved. Now you're on your path to home ownership. Now I'm on my path to home ownership.

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So let's begin with the end in mind. So now you're on the path to home ownership, so you're at first and last. That's the bronze level that we take you up the ladder to home ownership. Right? So we bring you in at bronze. We begin with the end in mind. Let's talk about what that means. That means that we bring you in as a homeowner. When you're on the path to home ownership with those qualifications, you're not really renting, you're really owning. Because we want you to enter that home that this is going to be my house. Now we're selling hope. But more importantly, if you don't make a house payment, you're gonna lose the home, right? If you miss the home payment on a house payment from the bank, you're gonna have a problem. So if you miss the payment with us, it's gonna be the same thing. We don't want the house back. So we add one more qualification to the program. Okay. The ability to pay.

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And that would be keeping a job now.

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No, keeping the job, the ability to pay the amount that you can pay. That's what it comes down to. So you look at that too.

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So that that's another qualification.

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So we don't, you know, we're not putting you in a house of a payment of 3000 and you're only making 3000. Okay. So, so how much house can somebody, okay.

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I make 3000. Okay. I make $3,000 a month.

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How much house can I afford?

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We're using a third. You're at $1,000. You're at $1,000 because you have to eat. So we're looking at $1,000, maximum $1,100. And the reason we want to do that, we don't want the house back.

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We don't want you to be house poor.

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You don't want to be house poor. And we want to put you on the schedule of ACH. That means that you don't see the money before you spend it. So we take it out of the bank account. And that's when the requirement becomes really evident because you're giving you good habits.

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So basically now you just added something else because now I've got to have a bank account because you said I have to have an ACH. So I have to have a bank account. And you're going to automatically take the payment out on the first of each month.

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We automatically take the payment out on the first of each month. Now you're getting good habits, right?

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Okay, so you're training me.

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I'm training you. I might be crying. Not only that was for Courtney But you second chance is better than no chance. No chance at all. So our requirements are so limited Now you have to start doing your part

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Do you so okay back up? Do you add? So do you I guess you have inventory of properties that are available for people to move into what we match you to the property

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you match us to okay, so you match me to the property and how much you to the property based upon your ability to pay now

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So that's that's key, right? Okay, right That's key with matching you to the property means that we are not going to put you in a $2,000 home and you can only afford 1100

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right

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so we're gonna match you to your ability to pay and it's like a starter house as we Considered to be in the market in the and or in the car business, Leah, and Rhonda, we had starter cars. So a guy came in and I'll tell you what that is. I saw Mercedes-Benz on the lot that I'd really like to have. Okay, you can like to have that car. But next to it, there was a Volkswagen that he didn't see. So we used the starter process as we break down what he can afford. So when we get him into the finance office and we realize he has a thousand down and his credit is very limited, we start him with the Volkswagen on his way to the Mercedes. So we'll start you off with something that you can afford, not something that you think you have to have. Now once again, we're training you to make payments. Now with your thousand dollars down, we took it in-house, your payment was $200 a month, as opposed to the Mercedes-Benz, the payment is $1,500 a month. So we start you off into a premise. So we're training you to

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learn how to make payments. Because you have to walk before you crawl, right? Yes, yes. Before you walk. You've got to crawl. You've got to run down the street before you can stand up. I'm dyslexic. You have to crawl before you walk. So you have to start out with a Volkswagen and show us a good payment history. So then when it's time to finance a car that's a little more money, you look a little better. But you

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have payment history. Because you have payment history. So that by the way so that's just the reals. Affordable housing. All we did was just

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shift the premise. We're using that same concept for a house. Right. We're starting you off with a starter house. Starter house. Right so to start a house. Got windows

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and doors. No but that's only if you that's only if you come with limited

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However, if you come with more funds and a better credit score, you will start out probably with a house you desire and then when things get better, you'll go for a mortgage.

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Is that right?

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See, it's just so important that we understand the premise. And look, you guys are so educated. You can teach this class. Absolutely. Yes. So now, on our path to home ownership, Rhonda, there's issues of where you come in so now you at the silver to gold level with the 10% down now you're really you're really on something big so the house numbers change the value of the house goes up and the quality of the house goes up but you're still on the path okay I just want to say you know we have limits the limitations of where you can start. All right? So there's a house for everyone based upon your ability to pay, your creditworthiness, and your job.

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It's too easy. All right. So you are listening to Mr. Clifton Hines, and we are talking about you getting into that first home, that starter home.

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I am Leah Crawford.

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I am Rhonda Nolan. And you're listening to Let's Talk with Leah and Rhonda. And we have our very, very special guest, Mr. Clifton Hines. We're talking about getting you into a home if you desire to be in one. And if you have homes for sale,

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we're going to talk about that, too.

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Okay, so first of all, how can we, how, I am interested, I need to purchase a home, how can I contact you to start this process?

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Well, contact me on my phone number, 702-844-6351.

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Now, is there a website that we could go to?

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There is a website you can go to. I'm glad you asked that question. We have two websites. We'll start with the buying website first because when we get into the premise of the selling website, there are two different websites to contact us. H-O-M-E-S dot com. And you can apply there. You can go through the process of your dream home, how much money you have, where you want to live.

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It's exciting.

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Mm-hmm. Mm-hmm. Okay, so I think I got it, Rhonda.

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I got it.

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I got it.

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You got it? All right, got it. So I'm listening.

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When I go home, I don't want to live in this apartment anymore. Or I don't, I'm tired of renting. I want to pay, I want to get into a position, because it's getting into a position, and getting the discipline to get this home, because buying a new home is not an easy feat. It is not. As we know. I mean, all of us have bought that first time home. Now I just need to contact 702-844-6351, and these are my requirements. So it's two years on a job, consistency on a job. It is two years on a job. What else was there?

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Down payment.

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Down payment.

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Down payment, 3%.

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No, not.

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First and last.

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No, first and last. Wasn't 3%.

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Okay.

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It was first and last.

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For whatever home I qualify for. That's right. So they'll take my information and you can start to, so are you, so you're building me you're building building a discipline now when I get in said home because this is the thing that I see a lot of people happen they get in the home can't afford to take care of it okay do you guys help with that so the fun part we're going somewhere we had it

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now we'd add it down to Boulevard right now we're going down the yellow let's talk about profit centers okay which is so important to building character, building a home. For anything that you do to that home, because Wells Fargo does not come out and help you with the home.

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No, they don't.

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We help you with the home because we give you what is called profit centers. Whatever you do, you get a credit for. So for example, say that you spent $1,000 on a home. That $1,000 now go in to building your down payment. One. Secondly, the money that you're giving towards the home, you're getting a percentage of that back into owning the home. As opposed to renting, you get nothing. Okay, so you're shifting your consciousness, right? You're saying, wait a minute, I gave the landlord $1,200. I got nothing for it. The house broke, he didn't fix it. I don't have any heat. But more importantly, you have an advantage. You can paint these walls. You can change. You can start working on this home like it's yours because that's the premise. You're going to own the home. Now, everything you do, you get a credit for. How exciting is that?

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And the thing about it is being a homeowner, and we always talk about buying a home, but very rarely do we talk about the improvements right and really having a list of knowing when When was the last time the fourth of the floors were changed when are you gonna have to possibly buy a new roof repair roof? hot water heaters, how long do they last sinks faucets bathrooms and when you as When you own a home you realize after you know year 10, you know, you got to start doing stuff Especially in a new house. Let's say a new house year 10 You got to start you have to start doing stuff. If you buy an older home, you know, doing that first appraisal and the walkthrough, you see stuff needs to be fixed. And doing it right the first time. Because that's what I'm learning, you know, if you do it right the first time, it lasts a little bit longer, might cost a little bit more up front. So so someone has a backyard and they and then say you they get a home and they do the landscaping, they just give you the receipt for the

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landscaping? That's credit. Okay. More importantly I always advise anyone that has a home get a home warranty. You have no idea. You have no idea. Buy a home warranty. Listen, $7,000 worth of home work, air conditioning systems, heating systems, you pay $75. You can't beat that. No one can beat getting a home mortgage. All the help's available to you, right? Outside of just the credit that you may have for what you're doing for the home, invest in a home mortgage.

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Invest in a home mortgage.

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Invest in a home mortgage. And that's gonna help you with whatever, the big things, right? But then it gets fun, right? You're painting. You're doing anything that you wanna do to improve your home. You live there, it belongs to you. You live there, right, right.

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So just treat it.

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Now, if you're renting it, the quality of care is different from when you own it.

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And see, for me, I do want to know, and I wasn't, so when I was renting, when I was renting, my mother said, act as if.

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This way.

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Always act as if.

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It's yours. It's yours.

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Take care of it like it's yours.

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Take care of it like it's yours. So even when I was in apartment buildings, they were my the landlord. They were clear.

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Yes.

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No, I'm washing walls. I need pain. I'm changing carpet. We need this is this is where I live where I live and she said, you know, you build the habits then right?

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Once again, help is on the way, right?

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Help is on the way.

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So now now you're owning because you're on the path to home ownership. Isn't that? Isn't that interesting?

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Right?

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How does that sound?

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Now?

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Not only important that you are building character, you are building your home, you own it. We don't want it back.

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Got it. So what about if somebody was an investor, they want to invest? Are you able to do that? Help an investor get an investment property? Absolutely. There's so many different

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opportunities right now for anybody that wants to be involved in anything that we do, because now we have a plethora of homes that we're purchasing, so there are investment opportunities. Help me to contact her. She's the same number. Let us know what level of investments you want to do. So basically we have short-term investments. We have being the bank investments. Now we carry on contracts. Let's talk about how investments really work. Wells Fargo has the first $400,000. An investor now has the first $100,000. So now he is getting the monthly payments from the first. Whatever level of investment he wants to do, we're making monthly payments back to him because he owns what is called the note and deed of trust of that property. What an exciting place to do. Now the bank is giving, what, 1% for that on investment opportunities? We're talking 3% to 7%? Money is working for him and there's a check in his mailbox every month on the investment side of things.

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Okay, so and I want y'all to think about that though, because think about those, especially those that have mortgages. And you have a mortgage and I'll use a simple example, mortgage for 200,000, you've been paying it for years, you get your 1098 interest statement, and it says you paid $11,000 in mortgage. What he's saying is that that mortgage interest is now not going to the bank, it's going to the investor.

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It's going to the investor. That $11,000. Right.

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We rewrite the loans, we control, we are the bank.

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You are the bank.

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The investment opportunities, we are the bank. More importantly, we have another opportunity of people that are losing these homes.

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Got it.

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Let's talk about it. I don't know how much time you've got left so we might as well jump right into that. Let's touch on that. Yeah we're talking about selling your home. We buy homes quickly. We do cash for keys. We help with relocating from one home that you own that you can't afford into a home of lesser value. We take that home and we turn it into money. So we're able to transfer you from one home to the next so that you don't have to lose that home or be in foreclosure. So it's a seven day process to get back. What's the number for that program? 702-844-6351.

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Same number, so 702-844-6351.

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Okay, we're gonna say it one more time.

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702-844-6351.

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If you are having hardship right now, if you have lost your job, if you can't go to work, you have any health issues, all those things, but you have a home that you own, let's not mess up your credit. Let's not go into foreclosure. Give Mr. Hines a call and he can help. Contact Mr. Hines. Yes, contact Mr. Hines and he can help talk to you about ways of saving your home and making sure you bow out gracefully. And honestly bowing out gracefully in a way where you're bowing out gracefully, some things have happened, and I'm sure with the sale of the home, you sell the home, you will get some money back.

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Now you're in another program on your way.

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To the path to another home.

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The path to the home ownership.

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So let's talk about that website. We're talking to you about sellquicklytoday.com. How exciting is that? Sellquicklytoday.com. Sellquicklytoday.com. So you can put your information in. You can contact us if you don't want to talk, and we will get the information and contact you about what's possible so you don't have to lose that home.

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Yeah, you don't want to have a foreclosure on your credit, especially if it took you a long time to build your credit up and to have pretty decent credit, you can go ahead and sell your home quickly, your note will be paid off and you'll be able to just skate on down the road and you won't have a foreclosure. So therefore, when you're ready to get another home, the banks look at you as being credit worthy because understand if you foreclose on a home, you're not going to get another mortgage to buy another home anytime soon, right? But if you go ahead and take care of business and you work with the organization and your current house is paid off, you're happy, the bank is happy. So then maybe you don't have a foreclosure. You don't have a foreclosure. And a couple of years later, you've gotten yourself together. Your health is better. Your job is better. You're rolling. And you want to go back into a home because you love being in one. You are available to go ahead and get a new home and apply for a mortgage. And, you know, and when.

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Okay, so let's talk about something that's near and dear to my heart. We have to tell you about these options. I go to the options. The investor that bought that house at the auctions, he's on his way to the property to change locks the same day. There's no grace period in Vegas. The same exact day, he gets that cashier's check. He gets that deed. They allow him to change your locks while you in that house. It's incredible. So make sure that you don't wait until the last minute because if it hits the auction block and it goes to sale you are going to be out on the street. So we will help you sell quickly. We will give you the path to home ownership and we will help

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you in any way we can. Give us a call. We buy houses. 702-844-6351. Thank you, Mr. Hines. You've been a fantastic guest today. Leah, do you have to tell us about some things that I needed because it is text time.

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It is text time.

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Well, let me say this again. Thank you, Clipless. Always, always, always a pleasure having you on here. Thanks, honey. Thanks for having me. But I do want to get a number one more time though. 702-844-6351. Yes, it is tax time. We are in it. We are in it. We are in it. I can say at Crawford Management Group, we are accepting new clients. So if you are looking for a tax home, you are looking for someone to dig in, if you have tax issues, you know, contact us. Our number 702-382-5737. Again, 702-382-5737. We are accepting new clients. We are doing tax returns. We are doing personal tax returns, business tax returns. We are doing non-profit returns. We're even doing trust returns. So if you have tax needs, please contact us. 702-382-5737. I also want to say, if you are looking to write a life plan, and I know we are bringing Jesse on, want to promote him. He's coming on in a couple of shows How you leave them feeling he is doing his book tour Amazing book workbook for you Foundation for love and relationships So if you're looking to change your life and you're a reader like I am how you leave them feeling Your foundation for love and relationships Rhonda. You have anything coming up? Always have things coming up. Listen, if you and your organization need help with planning any type of event, galas, or fundraisers, don't hesitate to contact Smart Time Consultants. The number is 702-908-9577. Again, the number is 702-908-9577. If you're thinking about starting a new business and you need a business plan, don't hesitate to contact us about that. We take meetings and we talk about what your dreams are and what your business looks like. We decide, hey, is this a good business for right now? Or is it something I should start in the future? Or what does it take to start this business? We really give you an opportunity to really think through all the things about starting a new business. However, if you're ready to start a new business, you've already thought about it. You have all your ducks lined up in the row. You just need a little bit of help with getting your paperwork together. Feel free to contact us, 702-908-9577. Let's see, this is Black History Month. And I'd like to say that the 100 Black men are saluting a lot of local fantastic folks in the Las Vegas area. You can visit the Facebook page and the Instagram page and you will see them highlighting different people from our community who have helped society every day. Also we have the Leadership the 100 Way program coming up on February 25th at UNLV and this is for our young leaders, our junior high and high school students and our freshmen and sophomore students in college. We'll be on UNLV's campus and we will have General Andre Berry as our guest speaker. And trust me, you do not want to miss him at all. So that's going to be on February 25th. You can find more information at www.100blackmanlasvegas.org. Well thank you for listening to Let's Talk with...

0:28:42
I am Leah Crawford.

0:28:43
I am Rhonda Nolan. Thank you so much for listening to us this beautiful Saturday morning. Thank you Mr. Hines for joining us.

0:28:49
Thanks for having me.

0:28:50
We're going to sign off now and we'll see you next week.

0:28:51
Peace.

0:28:52
Thank you Mr. Hines for joining us. Thank you Mr. Hines for joining us. We're going to sign off now and we'll see you next week.

Transcribed with Cockatoo